Saline Area Chamber of Commerce: Life Insurance for Students – Art Trapp, Chamber Executive Director; Susan Kirk Rosales, Rosales State Farm Insurance – A Michigan mother who recently lost her college-age son soon found out that she was responsible for his student loans. State Farm Insurance agent Susan Rosales says you can actually get a life insurance policy which would afford you the ability to cover such a situation. Susan opened up her Saline business earlier this year, after coming back home to Michigan from Texas.Click & Listen: [audio:http://www.lance-erskine.com/audio/042213/saline.mp3]

Manchester Area Chamber of Commerce: Chamber Reviews Social Media Policy – Janet Larson, Chamber President – Many businesses continue to look at how they use technology to communicate with their clients. Find out what the Manchester Chamber is doing to carve out its own social media policies. Our weekly update from this beautiful village in Washtenaw County’s southwest corner also includes a look at two fun upcoming events that you won’t want to miss.Click & Listen:[audio:http://www.lance-erskine.com/audio/042213/manchester.mp3]

Five things To Know About Offshore Accounts: Attorney Jim Duggan, Duggan Bertsch, LLC – For many years, U.S. taxpayers have been able to avoid paying taxes by placing or receiving assets into offshore accounts. Rules regarding reporting and disclosure were ambiguous and enforcement by the IRS was weak. As a result, offshore planning became synonymous with tax-free planning. According to Tax, Wealth and Estate Planning Attorney Jim Duggan of DUGGAN BERTSCH, LLC, most advisors have been conditioned to equate offshore with tax avoidance as well, which he says results in bad advice being given to U.S. taxpayers.Click & Listen:[audio:http://www.lance-erskine.com/audio/042213/duggan.mp3]